成日有客人問買樓無得好似香港咁加一個擔保人,英國按揭就真係少呢個名目,但就有joint
borrower sole proprietor ,以下是有關英國「Joint Borrower Sole Proprietor」(JBSP)的
十個常見問題,幫助理解這一概念:
- 什麼是Joint Borrower Sole Proprietor按揭?
JBSP按揭允許某人(例如父母或親屬)加入按揭申請以提高貸款能力,但只有一人(唯一
業主)擁有物業,其中一例,子女初出來做野,入息有限,而父母入息又高又穏定,另一
例,父母半退休,入息有限,相反子女正值入息增長期都可以幫到手。 - 年期通常可供多少年?
跟平時兩個申請人一樣,以年齡較大的到75為限。 - 共同借款人擁有物業嗎?
不,共同借款人(例如父母)沒有物業所有權,物業契據上只有唯一業主的名字。 - 雙方都要負責還款嗎?
是的,共同借款人和唯一業主對按揭還款負有法律責任,即使只有一人住在物業內。 - JBSP按揭如何幫助提高貸款能力?
貸款機構會考慮共同借款人的收入,從而增加可借金額,即使他們不住在或不擁有物業。 - 共同借款人可以有自己的其他按揭嗎?
可以,但這可能影響他們自身按揭的財務評估,因為貸款機構會考慮他們在JBSP中的責
任。 - 是否所有借款人都要住在按揭物業?
不是,例如父母係借款人,不是物業持有人,父母可住其他地方,相反,若住在按揭物業
而不是物業持有人,銀行都會要求簽份Occupancy Wavier Form,以聲名在物業上無權
益。 - 什麼關係的人可以為共共申請人Joint Borrowers?
跟平時要求的關係一樣,父母、夫妻、父子或伴侶都可以。 - 之後可以移除共同借款人嗎?
可以,如果唯一業主的財務狀況改善,他們可自行重新融資按揭,但需經貸款機構批准。 - 是否每間銀行都有提供JBSP按揭?
並非所有機構都提供,但一些主要貸款機構如Barclays、Skipton都得, Halifax、HSBC
就不接受。
It’s quite common to have a guarantor in HK mortgage application. However, there is no such
guarantor in UK mortgage. However, joint borrower sole proprietor(JBSP) would serve similar
purpose. Following Ten questions about JBSP would help you know more how it can help
people buy their first house. - What is a Joint Borrower Sole Proprietor mortgage?
A JBSP mortgage allows someone (e.g., a parent or family member) to join the mortgage
application to boost affordability, while only one person (the sole proprietor) owns the
property. For instance a fresh graduate may add his/her parents as borrowers. On the
other way round, a semi retired parent may have high income children for help. It’s
commonly used by first-time buyers who need help from parents or relatives to meet
lender affordability criteria. - What would be mortgage tenor?
Like usual case, it’s up to elder borrower age 75. - Does the joint borrower own the property?
No, the joint borrower (e.g., a parent) doesn’t have ownership rights; only the sole
proprietor’s name appears on the property deeds. - Are both parties responsible for repayments?
Yes, both the joint borrower and sole proprietor are legally liable for the mortgage
payments, even if only one lives in the property. - How does a JBSP mortgage help with affordability?
The joint borrower’s income is considered by the lender, increasing the amount that can
be borrowed, even if they won’t live in or own the property. - Can the joint borrower have their own mortgage elsewhere?
Yes, but it may affect their affordability assessment for their own mortgage, as lenders will
factor in their JBSP liability. - Are both borrowers required to live in the to be mortgaged property?
The joint borrower may live elsewhere. If they are living in the same house, they would be
required to sign the occupancy waiver form, in order to declare that they have no right on
the property. - What relationship would entitle the JBSP?
As long as there is an existing relationship this would be acceptable to us. Therefore,
same sex and opposite sex partners would be acceptable. - Can the joint borrower be removed later?
Yes, if the sole proprietor’s financial situation improves, they can refinance the mortgage
in their name only, subject to lender approval. - Which lenders offer JBSP mortgages in the UK?
Not all do, but some major lenders like Barclays and Skipton. However, HSBC and
Halifax do not have this options at this moment. Availability depends on their criteria at
the time.
Author: jasoncnn2002
我是 Jason，英國按揭顧問，專注於為己移居英國或在仍在港的朋友提供英國按揭貸款相關建議。我擁有多年實戰經驗，熟悉各大銀行和貸款產品，致力於為客戶提供量身訂造的按揭方案。如果你對按揭有任何疑問或需要專業協助，請隨時聯絡我！📩 請密切留意我的文章更新！ Jason Chu CeMAP 📞&📱 +44 07593 755879 (Tel and WhatsApp )
我是 Jason，英國按揭顧問，專注於為己移居英國或在仍在港的朋友提供英國按揭貸款相關建議。我擁有多年實戰經驗，熟悉各大銀行和貸款產品，致力於為客戶提供量身訂造的按揭方案。如果你對按揭有任何疑問或需要專業協助，請隨時聯絡我！📩
請密切留意我的文章更新！
Jason Chu CeMAP
📞&📱 +44 07593 755879 (Tel and WhatsApp )
- jasoncnn2002
- jasoncnn2002
- jasoncnn2002
- jasoncnn2002
